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Will lowering my o/d...
Hey, Was suppose to get rid of my O/D in Jan/Feb, But suffered abit of a fallback, So was wondering If i paid in 50 pound a week into my Halifax O/d Which the limit is 650, They see me paying it off weekly, Is there a chance they might just take the whole back in one?, E.g. I pay 50 this wednesday, So o/d is now 600, if i…
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Banking payment error. Need advice.
Hi, Logged on to my A&L online account this morning to find a whopping £1200 in there courtesy of LTSB. The payment was broken down in two (c.£700 and c.£500). I'd recently paid off two credit cards and so naturally assumed something had gone wrong with the payment. However, I was confused as to why they credited my A&L…
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Bank account applications
Just a thought that popped into my head, but do banks have a certain quota of accounts they have to accept, or does anyone get a 'bonus' for processing an acceptance? Just wondering because when I opened my Lloyds TSB account My account details came through with my name spelled incorrectly. Now I kept the PDF of the…
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Double thread sorry ignore
Sorry double thread
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Trouble opening accounts - lack of credit history ?
Between my partner and I, I thought we had a good credit history. We have decent salaries, a mortgage, a bank account, savings accounts, credit cards, utility bills, car loan (recently paid), contract mobile phone, etc. We have some outstanding credit card balances but no history of arrears on any account, no overdraft,…
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A replacement for cheques?
There's not a lot to watch on TV at the moment so I am watching a screening of the Parliamentary Select Committee on the 'End of Chequebooks' (BBC Parliament Channel). The banking bodies are proposing that cheque books should be phased out in the next few years. Some of the other participants are suggesting that there is a…
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Budgeting software for Apple Mac
Hi there, newbie here. I can see a lot of budgeting software available for PC users, but very limited offerings for anyone using an Apple Mac. Can anyone pass on any suggestions/recommendations? I'm looking for something that allows me to track income/expenditure against a budget. Basically, personal accounting software.…
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A Plan to Look After The Pennies
After being financially responsible for 18 months and debt free for 5, I've been thinking about how to maximise every penny I get. I suddenly realised on the way home from work today that I sit a lot of cash in my current account just waiting for bills to come out. This account earns 0% interest, so it is effectively dead…
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Problem making telephone maestro payment with Clydesdale card
Hope someone can shed some light on this or possibly give me a solution! Opened a new account with the Clydesdale Bank in December 2009. Been using Maestro card with no hitches since then, but tried to pay £1000 towards balance of my holiday to Portland/Thomsons and they are saying the card no. is invalid. I have contacted…
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Opening New Bank Accounts And credit ratings
I sometimes Open bank accounts purely to get the incetive cash given from the bank account. Im aware that some banks peform a credit check is this most of time does anyone know ? Also If a credit check is performed and then a few months down the line I close the bank account does this reset my credit rating to where it was…
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bank transfer and closing account
How do i transfer money to another bank account and then close the bank account?
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How best to transfer money to Europe?
Hi, I have the need to regularly transfer money to Ireland and I'm so tired of having to physically go into my bank to arrange the transfer and am annoyed at paying the bank charges (usually £20 a go). In work, I can use a business account to transfer money online, easily and quickly, anywhere in the world, for a small…
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Help re bank refusing payment
Hi everyone i did a shop online with Asda which was delivered this AM and they have just rang to say bank refused payment. I have spoken to someone in accounts who said they will not continue to take payment from the card an i need to make a different oayment with another card. Is this right? will they not take the payment…
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cita bank account
Hi just applied for a basic account with Cita they have approved it however are asking for a certified copy of my passport signed or dated by either a lawyer, nortary public or banker wot does this mean??? Anyone had this problem?
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best bank account ......
hi all, just wondering what bank account charges the smallest amount for unathourised overdraft / lack of funds available. I have been caught out recently and charged a crazy £35.00 for a £11.00 direct debit. thanks in advance :)
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Visa debit card paying for a large purchase
I'm buying a car they accept debit cards as payment, I know its not secure but i know the person who I'm paying and thats not what I'm asking. I want to pay £15,000 using my debit card I intend to go into a branch and tell them I will be making this payment so hopefully they can set it so its allowed and does not get…
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First Direct
Hi I've read this forum regularly and gotten some excellent tips! I have a question about First Direct. I am seriously considering switching my current account from Cahoot to First Direct 1st account (over the past month I have closed 5 different accounts with Santander as their non-existent customer service is worse than…
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Bank accounts where managers are paid the least bonuses?
Hi. As a matter of principle I want to move my Bank account to the company that is displaying most realisation that they have left the world in a terrible mess. Managers are obviously still being paid huge bonuses whether the company makes money or not. Quite simply I believe in a decent wage for a decent days work. If…
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Cheque gone astray!
Hi Guys, I have a problem and hope that some kind soul can offer suggestions. On Friday 12th March my wife went into our local branch of NW to pay in a cheque, made out to me, into our joint account. My wife told me that because the bank was busy she was called over to the enquiries desk to pay in the cheque. Initially the…
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I was pick pocketed today =(
This morning i was pick pocketed on the bus today, they took my purse which has all my bank cards, a credit card, driving license and NI card. =( i feel so angry and stupid at myself for letting it happen and also for carrying everything around with me. I spent all morning going around what banks were open to cancel my…
